• About
  • $40K Challenge
  • Aunt Doris
  • Grandfather Says
  • Privacy
  • Archives
  • Disclaimer

Len Penzo dot Com

The offbeat personal finance blog for responsible people.

bullion star banner

What Everyone Should Know Before Depositing Their Money In a Bank

By Len Penzo

In case you're wondering, only 10% of all humans have an "outie" belly button. At least that's what Wikipedia claims. For what it's worth, like most folks, I have an "innie." By the way, belly buttons don't have a monopoly on innies and outies; ...

Continue reading What Everyone Should Know Before Depositing Their Money In a Bank

July 4, 2022

A Primer on the Gold Standard and Gold Revaluation

By Len Penzo

Today I want to share a primer with you on the gold standard, as well as a fun hypothetical example of how a potential gold revaluation would work. With nearly $200 trillion in funded and unfunded liabilities on its books, the US government has ...

Continue reading A Primer on the Gold Standard and Gold Revaluation

June 6, 2022

What Girl Scout Cookies Can Teach Us About Mortgages

By Len Penzo

I love this time of year because the Girl Scouts in my area are out selling their cookies. Of course, that means they'll soon be knocking on my door -- and I'll once again spend 10 minutes agonizing between the Thin Mints, Do-Si-Dos and Caramel ...

Continue reading What Girl Scout Cookies Can Teach Us About Mortgages

April 18, 2022

Romance Scams On the Rise: How to Stay Financially Safe Online

By Sabado Domingo

As more and more of our lives go online, it's no wonder that we look for ways to stay safe. In fact, 57% of us prefer to carry out our banking over the Internet, and that number is increasing all the time. Yet, recent reports of an increase in ...

Continue reading Romance Scams On the Rise: How to Stay Financially Safe Online

February 22, 2022

100 Words On: Why Time Is More Valuable Than Money

By Len Penzo

Although you'd never know it based upon the ways people treat time and money, the former is significantly more valuable than the latter because our life here on earth is finite. Yes, time is free; ironically, it's also priceless. That's because we ...

Continue reading 100 Words On: Why Time Is More Valuable Than Money

February 10, 2022

Bank-By-Phone Programs Can Help Those Without Checking Accounts

By Sabado Domingo

Even with all the advancements in banking technology, there are still millions of Americans without so much as a checking account. Luckily, more bank-by-phone programs are becoming available for those without the ability to bank. Here are just a ...

Continue reading Bank-By-Phone Programs Can Help Those Without Checking Accounts

January 26, 2022

Checking Accounts: Types, Uses, and Why You Should Have One

By Sabado Domingo

You can walk into any regular bank and request to open a checking account. A checking account is a standard bank account in which you are allowed to make deposits and withdrawals anytime without stringent limits and rules. They can also be called ...

Continue reading Checking Accounts: Types, Uses, and Why You Should Have One

January 21, 2022

How to Use Bitcoin While Traveling

By Sabado Domingo

We all love to travel, but exploring a new country with fiat currency can take a lot of effort. Coins and cash weigh down your pockets and on top of that, you need to convert your money. That's why traveling with bitcoin (BTC) is a great option. You ...

Continue reading How to Use Bitcoin While Traveling

October 4, 2021

Great Ways to Find the Best Interest Rate for Your Home Loan

By Sabado Domingo

Mortgages can eat you alive. That's because even after identifying the home loan particulars you're looking for, you still have to find the best deal. For example, you may know that you are looking to finance $500,000 for 30 years. But how do you ...

Continue reading Great Ways to Find the Best Interest Rate for Your Home Loan

September 22, 2021

18 Bizarre Facts You Probably Didn’t Know About the $2 Bill

By Len Penzo

Not too long ago I had to mosey on down to my local hardware store because I needed propane for my barbecue grill. The total price for the refill came to $17.96. At first I tried to pay with a credit card but, for some reason, their machine was on ...

Continue reading 18 Bizarre Facts You Probably Didn’t Know About the $2 Bill

September 13, 2021

3 Ways to Obtain Loans for Your Small Business

By Enero Febrero

Small business owners often think that raising capital is necessary for business expansion; however, the key metric for growing business operations is the amount of money available to mitigate financial risks arising from unforeseen events and ...

Continue reading 3 Ways to Obtain Loans for Your Small Business

September 9, 2021

Is It Finally Time to Get Rid of the Penny?

By Len Penzo

Several years ago I moved into a new office at my place of employment. When I looked in the desk, I found 162 pennies in one of the drawers. I can only assume that the previous owner used the desk as his chosen repository for all the pennies he ...

Continue reading Is It Finally Time to Get Rid of the Penny?

August 9, 2021

6 Cheap Ways to Send Money Abroad

By Sabado Domingo

Sending money to people or accounts held in foreign countries comes with its own set of complications and costs. Whether you're doing business with a foreign contractor or vendor, sending money to a relative living abroad, or just making sure that ...

Continue reading 6 Cheap Ways to Send Money Abroad

June 24, 2021

What Are the Most Secure Online Payment Methods?

By Sabado Domingo

From paying bills to online shopping to in-app purchases and everything in between, every transaction puts us at risk of having our banking information stolen. There are some basic safety steps that can be taken, like making sure a website uses ...

Continue reading What Are the Most Secure Online Payment Methods?

June 3, 2021

Why You Should Always Haggle When Comparing Money Transfer Firms

By Enero Febrero

A good website and a recognizable brand name does not a great money transfer company make. With so many options to choose from, there is no reason for consumers not to investigate many different firms when trying to figure out who to transfer their ...

Continue reading Why You Should Always Haggle When Comparing Money Transfer Firms

June 3, 2021

Joint vs. Separate Bank Accounts: Which One Is Better?

By Mikey Rox

It's the eternal question for those who settle down together is and always will be: separate or joint bank accounts? There are arguments for and against both scenarios. So sit down, read this with your boo, and then have a conversation about what ...

Continue reading Joint vs. Separate Bank Accounts: Which One Is Better?

May 18, 2021

Are There Benefits to Cosigning a Loan?

By Enero Febrero

financial health check

Have you been invited by a family member or a friend to be a cosigner for their loan? Or have you ever experienced the need to have a cosigner to be approved for a loan? Everyone who is suffering from a bad credit score might already have ...

Continue reading Are There Benefits to Cosigning a Loan?

May 10, 2021

18 Fun Facts About Money That You Probably Didn’t Know

By Len Penzo

You probably already knew that, long before the ubiquitous paper currencies we use today to pay for goods and services existed, man used various items as a medium of exchange including cowrie shells, leather, amber, rice, salt, thimbles and even ...

Continue reading 18 Fun Facts About Money That You Probably Didn’t Know

March 1, 2021

How to Get Fast Approval on Installment Loans

By Sabado Domingo

An installment loan is a type of loan wherein the lender will lend the borrower a certain amount that the latter will pay off through regular installments. Installment loans are available for both personal and commercial use. However, before ...

Continue reading How to Get Fast Approval on Installment Loans

February 26, 2021

The Big Secret the Banking Industry Doesn’t Want You to Know

By Len Penzo

Because lending money costs a bank absolutely nothing, banks are fundamentally unlike any other business in some ways. Yes, lending money costs the banks nothing. Think about it: Thanks to fractional reserve banking, the banks get to create the ...

Continue reading The Big Secret the Banking Industry Doesn’t Want You to Know

February 1, 2021

  • « Previous Page
  • 1
  • 2
  • 3
  • 4
  • 5
  • …
  • 7
  • Next Page »

Copyright © 2025 Len Penzo dot Com · All Rights Reserved · Designed by Nuts and Bolts Media

© Len Penzo dot Com 2008–2025